You know, I once did the very same thing...except that I did go around. I was just climbing on the go-around when the tower finally comes up and asks what I'm doing, and the nature of my emergency.
I advised that I had no emergency, but didn't have a clearance to land. Tower told me they expected me to land. The runway was clear, the weather was clear, and here am I going around for no good reason than I lacked the clearance.
My concern then was being violated for landing without a clearance. In retrospect, were I placed in that situation again, I'd land. The question always exists as to weather some situation my be that would make the landing inadvisable...traffic not clear, crossing traffic, intersecting runway, whatever. A valid reason, aside from frequency congestion or sleeping controllers (had it happen) might be applicable.
All the same, if it's visual, I'm more interested in what I see out of the cockpit than what I hear on the radio, and a clear runway ahead is likely a better scenario in the interest of safety than an unnecessary go-around. One must consider all the circumstances, and I'm not advocating any one course of action. However, given the same situation again, based on hindsight, I'd land, and then talk to ground.